I'm no legal eagle but I can't see why text messages would be treated any differently to an email from that perspective.

The legal guru Terry W may be able to elaborate.

Cheers

Jamie

kidcantona wrote:
I'm on a Permanent Resident Visa, which to my knowledge doesn't have restrictions. If this statement is incorrect please let me know.

@Jamie M – what finer details would you like me to reveal? I'd be more than happy to do so for if you can assist in fine tuning the application.
I'm married and my research tells me to perhaps…[Read more]

Hi there

Is the property managed? If so, might be worthwhile getting a few recommendations for tradies in the area from your property manager.

Cheers

Jamie

My accountant is based in my home town but we operate similar to Jac and her accountant – almost everything's done via email and phone and we rarely catch up for a face to face. 

Email/phone usually ends up being the most efficient way to do business anyway. This goes for most service professions IMO.

Cheers

Jamie

Hi Rosa

Are you based in Australia? Has it been difficult trying to manage the issue from a distance?

Cheers

Jamie

Without knowing the finer details of your situation – interest only on all properties with an offset attached against your PPOR is a good way of improving your future serviceability.

Keeping consumer debt at a minimum will also help.

If you have a credit card – keep it at a reasonable limit.

Cheers

Jamie

Hi Kate

If it's zoned residential and can be treated in that way – I would have thought it would be possible to get a lender to accept it on that basis as well.

As mentioned above though, if a full val could be avoided then that might get around the issue.

Cheers

Jamie

I think the idea has merit.

You'll need to be able to filter out any dodgy feedback from rival PM's or disgruntled tenants though.

Cheers

Jamie

Hi Adam

I assume you're simply asking about a loan attached to an IP? Is that the case?

Cheers

Jamie

We've succesfully challenged quite a few valuations in the past – it's certainly not enjoyable but a bit of persistence can sometimes pay off.

As mentioned, you need to arm yourself with three direct comparable sales that aren't too old. If your banker/broker can provide you with a residex report or equivalent, that would be a good place to…[Read more]

Some responsibility still needs to be placed on the builder to ensure that they're using decent contractors.

Builders I know would be quick to replace a contractor that was providing a sub standard product that ultimately reflects poorly on their reputation.

Cheers

Jamie

Hi there

Are there any indications of future growth? 

There's a lot of talk at the moment about the Brisbane market entering in upswing. Only time will tell whether this comes to fruition.

Is there a chance you may have simply paid too much for the property at the start?

If you think the money can be better spent elsewhere and you're…[Read more]

No worries – you'll be in good hands.

Cheers

Jamie

Depends on the quality of service/advice and complexity of your finances.

Your accountant may have simply changed his/her method of charging. If you don't believe it's value for money then try a different one.

Cheers

Jamie

It goes by the name on the title.

Cheers

Jamie

craig123 wrote:
Any professionals able to look into my situation, i am willing to pay

thanks

Hi Craig

What service is it that you're after exactly?

Cheers

Jamie

I second Jane's book. She certainly is an excellent source of knowledge.

Cheers

Jamie

Hi Tabmo

I don't know of a good accountant in Ballarat but you've got James GG down the road in Melbourne from House of Wealth who will do a fantastic job http://houseofwealth.com.au/contact-us/

Cheers

Jamie

A property with a granny flat is also likely to attract a smaller buyer pool when you decide to sell up.

Cheers

Jamie

A property with a granny flat is also likely to attract a smaller buyer pool when you decide to sell up.

Cheers

Jamie